Turning 65 Medicare Guide

Three months before your 65th birthday: review your current coverage, decide whether you'll enroll in Part B now or delay through creditable employer coverage.

Your birth month: enroll in Original Medicare through Social Security if you haven't been auto-enrolled.

After enrolling: choose between Medicare Advantage and a Medicare Supplement plus standalone Part D — this is the decision that defines your costs and coverage.

We walk every new beneficiary through this step by step. There is no cost to you.